Return-Path: Received: from opme11d3d08nd1.nor.fr.intraorange ([10.79.5.104]) by opme11d3b64nd1.nor.fr.intraorange with LMTP id EAlSCATAE2k4ohcAs372Ew:T3095:P1:P1 (envelope-from ); Wed, 12 Nov 2025 05:01:08 +0100 Received: from opme11ppr04nd1.nor.fr.intraorange ([10.79.5.104]) by opme11d3d08nd1.nor.fr.intraorange with LMTP id EAlSCATAE2k4ohcAs372Ew:T3095:P1 (envelope-from ) for ; Wed, 12 Nov 2025 05:01:08 +0100 Received: from opmta1mti33aub ([10.79.5.104]) by opme11ppr04nd1.nor.fr.intraorange with LMTP id EAlSCATAE2k4ohcAs372Ew:T3095 (envelope-from ) for ; Wed, 12 Nov 2025 05:01:08 +0100 Received: from newsletter.testsclub.com ([172.246.9.75]) by smtp.orange.fr with ESMTP id J22Uv9f7I5jU0J22evBgaB; Wed, 12 Nov 2025 05:01:08 +0100 X-bcc: marc.malroux@orange.fr X-ME-bounce-domain: orange.fr X-ME-engine: default X-me-spamcause: (17)(0000)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 X-me-spamlevel: not-spam ARC-Seal: i=1; a=rsa-sha256; d=orange.fr; s=t20230301; t=1762920068; cv=none; b=PUjAI6tCQOqlV5m0iYXOiPfniggaGKlWX21v6SUqG1YB7Qw+4LuQOO/5oSW6B599sSf4B8y15G+V/nB+waL/h4V5zEgQKQKMgyc9yHew3zvkA+vMP3hOaZ+BX1C4WkH0nGM98b8plG0EAWpqXX8MrLA+vEk/mzUzObB2KoQvLwMjoNOfwj55qskRYUKYq4V+Sb3GTDa6P0rOC3ugGCVW9Khd8yVxTbzUACZrLqeopALrfVjnDumDm0/goil3aVQh8w8DGwrIZ/QagFVsZv9QQVDnCR8GqZ3rwAP8qNQ8psy2E8mSkL3jYtD1VS7u1SRceRUUr5/WCQ9rABsVP+l1Dg== ARC-Message-Signature: i=1; a=rsa-sha256; d=orange.fr; s=t20230301; t=1762920068; c=relaxed/simple; bh=3L5GIFa0TvybMvDtmiynNiZwh2BcATxDJIOUtrM+uwA=; h=To:Subject:From; b=K6/7KxPZ+xtrzzrN55oTcPFDge/6Y6coa+ufuJurguZ8jfYAOuxiWB0UvKuSj3fkp81kcFgnPdpliAHKiOvoItdCF6K3S0TlHIqRxWBXu+17QDDGYRm/k9HymEDdD/VV1AQyN5sZyk0MVTYBZYhFSqjkl30Y2DapyxVMZ5RPWtqhwCXNXEq3IOgYxd4jh+3O6ymVu3HjxmULIOSEuEqJhKOms9PNMIiixbLHU6CMOZe9nHAuOPdBHPHh5pklfh4DT4JywpDxqJyH0xLzx2giu38eeDVoq56pu5JKjFA+1vxyGSmBvbS2y/uz3s7Pb9aBOkNbABjxucd8hzrQv2HX/w== ARC-Authentication-Results: i=1; opmta1mti33aub; spf=pass (opmta1mti33aub: domain of bounces-65118610-2775213420@newsletter.testsclub.com designates 172.246.9.75 as permited sender) smtp.mailfrom=bounces-65118610-2775213420@newsletter.testsclub.com; arc=none; dkim=pass header.d=newsletter.testsclub.com header.b=lAE95Lfh; dmarc=pass header.from=newsletter.testsclub.com X-ME-Marketing: true X-ME-Helo: newsletter.testsclub.com X-ME-IP: 172.246.9.75 Authentication-Results: opmta1mti33aub; arc=none; dkim=pass header.d=newsletter.testsclub.com header.b=lAE95Lfh X-ME-Entity: ofr DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=newsletter.testsclub.com; q=dns/txt; s=mail; bh=3L5GIFa0TvybMvDtmiynNiZwh2BcATxDJIOUtrM+uwA=; h=from:reply-to:subject:date:to:mime-version:content-type:content-transfer-encoding:list-unsubscribe:x-csa-complaints:list-unsubscribe-post:message-id:x-sib-id:feedback-id; b=lAE95LfhZV2t3R1gAUook42w/ut1isLs7nCPdYbnzlQdVCQ7yOOAmF7faijD4KXnXTZ0q2HdeevL 6ev2KwjzMWotToxbEazqqh6BlKvFICDQXlDGEVagCmCKg6YGgxXVVvY7xHJGxCEoKVZT6FaUfB+B LvqkRQx4TVW2sd5VHAY= To: Date: Wed, 12 Nov 2025 04:00:21 +0000 Subject: Cofidis : Besoin d'argent pour vos projets ? Origin-messageId: <202511120400.11708660084@smtp-relay.mailin.fr> Reply-To: "Testsclub" From: "Testsclub" X-sib-id: JdudRQznmjNB_XGhWX7FhCxdr1AlIhd0k-Z_zh2jp9pf6zt1uqGXKuFBSZ9xo8USMClXKABaUPQomH4rrwN63hOWqTEwcF8NeNpq4d4zTmUolIWm0U-ynkCoYFpsfpeOHyyguaG7dl-NCFwO040evkjKoA7hubfoBwSW_mVAuvlx3NUC Message-Id: <202511120400.11708660084@smtp-relay.mailin.fr> Feedback-ID: 172.246.9.75:1998446_-1:1998446:Sendinblue X-CSA-Complaints: csa-complaints@eco.de X-Mailin-EID: NjUxMTg2MTB%2BbWFyYy5tYWxyb3V4QG9yYW5nZS5mcn48MjAyNTExMTIwNDAwLjExNzA4NjYwMDg0QHNtdHAtcmVsYXkubWFpbGluLmZyPn5uZXdzbGV0dGVyLnRlc3RzY2x1Yi5jb20%3D X-Api-Version: v3 Feedback-Id: 464:elixis_230media:toolso Sender.ip: 172.246.9.75 List-Unsubscribe-Post: List-Unsubscribe=One-Click List-Unsubscribe: , Content-Transfer-Encoding: quoted-printable Mime-Version: 1.0 Content-Type: text/html; charset=utf-8 COF= IDIS=
Faites face aux impr=C3=A9vus
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<= td align=3D"center" style=3D"height: 100%;margin: 0;padding: 0;width: 100%;= " valign=3D"top">
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Un cr=C3=A9dit vous engage et doit =C3=AAtre re= mbours=C3=A9. V=C3=A9rifiez vos capacit=C3=A9s de remboursement avant de vo= us engager.
*P= ar exemple, pour un montant de cr=C3=A9dit de 1=C2=A0000=E2=82=AC et= une utilisation unique de 1=C2=A0000=E2=82=AC au TAEG r=C3=A9visable de 22,48% et au taux d= =C3=A9biteur r=C3=A9visable de 20,45%, vous remboursez, hors assurance facu= ltative, 30 mensualit=C3= =A9s de 42,00=E2=82=AC et une derni=C3=A8re ajust=C3=A9e de 33,80=E2=82=AC<= /font>, soit une dur=C3=A9e de remboursement de 31 mois, et un montant total d=C3=BB de 1=C2=A0293,8= 0=E2=82=AC. Le taux annuel effectif de l=E2=80=99assurance facultati= ve est de 9,90%, pour les garanties d=C3=A9c=C3=A8s, invalidit=C3=A9, incap= acit=C3=A9 et perte d=E2=80=99emploi, le co=C3=BBt est de 6,70=E2=82=AC le = premier mois et le montant total d=C3=BB au titre de l=E2=80=99assurance su= r la dur=C3=A9e totale du pr=C3=AAt de 138,50=E2=82=AC. En cas d=E2=80=99ad= h=C3=A9sion =C3=A0 l=E2=80=99assurance facultative : le montant de l=E2=80= =99=C3=A9ch=C3=A9ance sera inchang=C3=A9, la dur=C3=A9e de remboursement se= ra allong=C3=A9e et le montant total d=C3=BB au titre du cr=C3=A9dit sera a= ugment=C3=A9.
<= table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" sty= le=3D"max-width: 600px !important; box-sizing:border-box;" width=3D"100%"><= tbody>
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3D"BESOIN3D"BESOIN
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Cofidis vous accompagne
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Souscription<= br/>100% en ligne=C2=A0
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Virement des = fonds
sous 48h(3)
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Sans frais de dossier
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Vous pouvez = vous opposer sans frais =C3=A0 ce que Cofidis vous sollicite =C3=A0 des fin= s commerciales par courrier, t=C3=A9l=C3=A9phone, email en =C3=A9crivant = =C3=A0 Cofidis =E2=80=93 Service Consommateurs =E2=80=93 59686 LILLE Cedex = 9.

Nous recueillons des statistiques sur l=E2=80=99ouverture des c= ourriers =C3=A9lectroniques via des technologies de tra=C3=A7age.
*L=E2=80=99exemple repr=C3=A9sentatif s=E2=80= =99entend pour un montant financ=C3=A9 le 05/07/2024 et une premi=C3=A8re = =C3=A9ch=C3=A9ance le 05/08/2024 en vitesse de remboursement confort.
(1) Cr=C3=A9dit renouvelable d=E2=80=99un an rec= onductible de 500 euros =C3=A0 3=C2=A0000 euros consenti sans frais de doss= ier par COFIDIS SA sous r=C3=A9serve d=E2=80=99acceptation de votre dossier= . Conditions en vigueur au 01/07/2024. Vous disposez d=E2=80=99un d=C3=A9la= i l=C3=A9gal de r=C3=A9tractation de 14 jours =C3=A0 compter de la signatur= e de votre contrat.
(2) Les mensualit=C3=A9s int=C3=A8grent le rembours= ement du capital, les int=C3=A9r=C3=AAts ainsi que l=E2=80=99assurance si v= ous y avez souscrit. Le montant des mensualit=C3=A9s est variable en foncti= on du montant total du cr=C3=A9dit et d=E2=80=99un pourcentage du capital d= =C3=BB r=C3=A9sultant de l=E2=80=99ensemble de vos utilisations. Ce pourcen= tage est diff=C3=A9rent en fonction de la vitesse de remboursement choisie.=
(3) Sous r=C3=A9serve d=E2=80=99acceptation de votre dossier et =C3=A0= l=E2=80=99issue du d=C3=A9lai l=C3=A9gal de r=C3=A9tractation
COFIDIS, Soci=C3=A9t=C3=A9 Anonyme =C3=A0 Directoire et= Conseil de surveillance au capital de 67 500 000 euros =E2=80=93 Si=C3=A8g= e social : Parc de la Haute Borne =E2=80=93 61 AVENUE HALLEY 59866 VILLENEU= VE D=E2=80=99ASCQ CEDEX =E2=80=93 RCS LILLE METROPOLE =E2=80=93 SIREN N=C2= =B0 325 307 106 =E2=80=93 Interm=C3=A9diaire d=E2=80=99Assurance enregistr= =C3=A9 aupr=C3=A8s de l=E2=80=99ORIAS n=C2=B0 07023493 (www.o= rias.fr)
Site Internet :=C2=A0www.cofidis.fr.
Pour =C3=A9con= omiser du CO2 supprimez cet e=E2=80=93mail quand vous n=E2=80=99en aurez pl= us l=E2=80=99utilit=C3=A9.

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Vous rec= evez ce message suite =C3=A0 votre inscription sur l=E2=80=99un de nos supp= orts de communication et avez accept=C3=A9 de partager vos donn=C3=A9es per= sonnelles avec tests club.

Les donn=C3=A9es recueillies vous concernant font l=E2=80=99objet de tra= itements de donn=C3=A9es personnelles dont le responsable est tests club. V= ous disposez d=E2=80=99un droit d=E2=80=99acc=C3=A8s, de rectification, d= =E2=80=99effacement ainsi qu=E2=80=99un droit =C3=A0 la portabilit=C3=A9 de= vos donn=C3=A9es et =C3=A0 la limitation de leur traitement. Vos droits pe= uvent =C3=AAtre exerc=C3=A9s aupr=C3=A8s de notre DPO. Pour en savoir davan= tage sur le traitement de vos donn=C3=A9es, veuillez lire notre Politique de Protection des donn= =C3=A9es

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}